Your credit recovery workspace

Add disputed item

Furnisher (bank/collector name) Item type Late payment Collection account Charge-off Hard inquiry ID theft Duplicate trade line Personal info error Reason (why you dispute it) -- pick one -- Not my account Paid in full (but showing unpaid) Wrong amount Older than 7 years / obsolete Result of identity theft Notes

Share your win (pseudonymous)

You just resolved a dispute. Want to inspire others? We display first name + last initial only.

Display name (e.g. "Maria G.") State / city (e.g. "Houston, TX") Items removed Your story (1-3 sentences)

Your dispute letter

After printing, sign + date + mail certified mail to the bureau address shown in the letter. Keep the certified mail receipt. The bureau has 30 days to respond under FCRA.